Home > F.A.Q.


The Pros and Cons of 0% Financing


How is my money insured at the Credit Union?


What is this Credit Union's purpose/mission?


What is a Credit Union?


What is the history of Credit Unions?


How is a Credit Union different from a bank?


Free checking accounts at the Credit Union have no strings attached.


How do I report a lost or stolen Visa Debit or Credit card?


What is the Credit Union's routing #?


Where can I find an ATM machine?


Can I apply for a loan over the internet/telephone?


How does my company apply for membership into the credit union?


Third Party Links...


How do I join this Credit Union?


How do I check my balances by internet?


How do I check my balances by telephone?


Reading between the Lines about Interest Rates!








A credit union is a nonprofit, cooperative financial institution owned and run by its members. Organized to serve, democratically controlled credit unions provide their members with a safe place to save and borrow at reasonable rates. Members pool their funds to make loans to one another. The volunteer board that runs each credit union is elected by the members. Not for profit, not for charity, but for service is a credit union motto. Go Back


Credit unions are not new. Originating in Europe, credit union history began in this country when the first credit union was formed in Manchester, New Hampshire, in 1909. Today, over 10,000 credit unions with over $480 billion in assets serve more than 79 million people in the United States. More and more people join credit unions every year and they are pleased with the service. Credit unions have rated No. 1 in customer satisfaction at financial institutions for 10 years according to the American Banker Newspaper's annual customer satisfaction survey.

To join a credit union, you must be eligible for membership. Each institution decides who it will serve. Most credit unions are organized to serve people in a particular community, group or groups of employees, or members of an organization or association. -NCUA  Go Back


A bank is a for-profit organization and its goal is to maximize shareholders' profits.  A bank typically does this by charging higher rates on loans, higher fees on transactions, and offering lower rates on savings plans.  The owners' interests are often contrary to the interests of customers, who are valued primarily for the income they generate. Go Back

A CREDIT UNION has the mission of service; and its goal is to help members improve their lives through more effective use of their financial resources.  This is accomplished both through the education of the membership of financial topics and the Credit Union offering typically lower loan rates, lower fees and paying higher rates on saving instruments.  The major difference is that a bank has to charge higher rates and fees to cover both normal operation expenses and earnings for stockholders; the credit union only has to pay for normal operation expenses and a sufficient allocation to reserves.  All of your credit union's net earnings are given back in some way to the members who use its services.  Go Back

 Please call your local branch office or click here to e-mail your request.  You can also find this number along the bottom of your credit union checks.

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You absolutely can apply over the internet or over the telephone 24 hours a day and 7 days a week!  Click here for more info: 24/7 Applications

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From the Federal Trade Commission:

Car Ads: Reading Between the Lines

Many new car dealers advertise unusually low interest rates and other special promotions. Ads promising high trade-in allowances and free or low-cost options may help you shop, but finding the best deal requires careful comparisons.

Many factors determine whether a special offer provides genuine savings. The interest rate, for example, is only part of the car dealerís financing package. Terms like the size of the downpayment also affect the total financing cost.

Questions About Low Interest Loans

A call or visit to a dealer should help clarify details about low interest loans. Consider asking these questions:

  • Will you be charged a higher price for the car to qualify for the low-rate financing? Would the price be lower if you paid cash, or supplied your own financing from your bank or credit union?
  • Does the financing require a larger-than-usual downpayment? Perhaps 25 or 30 percent?
  • Are there limits on the length of the loan? Are you required to repay the loan in a condensed period of time, say 24 or 36 months?
  • Is there a significant balloon payment ópossibly several thousand dollars ó due at the end of the loan?
  • Do you have to buy special or extra merchandise or services such as rustproofing, an extended warranty, or a service contract to qualify for a low-interest loan?
  • Is the financing available for a limited time only? Some merchants limit special deals to a few days or require that you take delivery by a certain date.
  • Does the low rate apply to all cars in stock or only to certain models?
  • Are you required to give the dealer the manufacturerís rebate to qualify for financing?

Questions About Other Promotions

Other special promotions include high trade-in allowances and free or low-cost options. Some dealers promise to sell the car for a stated amount over the dealerís invoice. Asking questions like these can help you determine whether special promotions offer genuine value.

  • Does the advertised trade-in allowance apply to all cars, regardless of their condition? Are there any deductions for high mileage, dents, or rust?
  • Does the larger trade-in allowance make the cost of the new car higher than it would be without the trade-in? You might be giving back the big trade-in allowance by paying more for the new car.
  • Is the dealer who offers a high trade-in allowance and free or low-cost options giving you a better price on the car than another dealer who doesnít offer promotions?
  • Does the "dealerís invoice" reflect the actual amount that the dealer pays the manufacturer? You can consult consumer or automotive publications for information about what the dealer pays.
  • Does the "dealerís invoice" include the cost of options, such as rustproofing or waterproofing, that already have been added to the car? Is one dealer charging more for these options than others?
  • Does the dealer have cars in stock that have no expensive options? If not, will the dealer order one for you?
  • Are the special offers available if you order a car instead of buying one off the lot?
  • Can you take advantage of all special offers simultaneously?

Youíre not limited to the financing options offered by a particular dealer. Before you commit to a deal, check to see what type of loan you can arrange with your bank or credit union.

Once you decide which dealer offers the car and financing you want, read the invoice and the installment contract carefully. Check to see that all the terms of the contract reflect the agreement you made with the dealer. If they donít, get a written explanation before you sign. Careful shopping will help you decide what car, options, and financing are best for you.  Go Back

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For More Information

The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop and avoid them. To file a complaint or to get free information on consumer issues, visit www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft and other fraud-related complaints into Consumer Sentinel, a secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.















The Credit Union does not own any ATM machines of our own however, our members can access their accounts free of charge through the very large "Cashpoints" network.  Below you will find a listing of Cashpoint ATM machines:  

  Mecklenburg County 

  Union County  

  Cabarrus County 

  Gaston County


Cashpoint ATMs - Mecklenburg County


Charlotte - Steele Creek SECU Branch




10820 South Tryon St.




Charlotte NC 28273




Charlotte-South Park SECU Branch




6201 Fairview Rd.




Charlotte NC 28210




Cornelius SECU Branch




20651 Catawba Ave.




Cornelius NC 28031




Charlotte Fire Department Credit Union




2100 Commonwealth Ave.




Charlotte NC 28202




East Charlotte SECU Branch




6630 Executive Cir.




Charlotte NC 28229




Matthews SECU Branch




1825 Matthews Township Pkwy.




Matthews NC 28106




Pineville SECU Branch




9007 Pineville-Matthews Rd.




Pineville NC 28134




UNC-Charlotte SECU Branch




8601 University City Blvd.




Charlotte NC 28256




West Charlotte SECU Branch




1516 Alleghany St.




Charlotte NC 28208




North Cross Commons




9129 Sam Furr Rd.




Huntersville NC 28078




Charlotte SECU Branch




1130 E. 3rd St.




Charlotte NC 28235




Wendover Plaza




901 N. Wendover St.




Charlotte NC 28211






Kimmerly Glen S/C




4730 Kimmerly Glen Ln.




Charlotte NC 28215




Lawyers Square S/C




9201 Lawyers Rd.




Mint Hill NC 28212








12270 Lancaster Hwy.




Pineville NC 28134




Tuckaseegee Square S/C




4709 Tuckaseegee Rd.




Charlotte NC 28208




Cornelius Town Center




20121 N. Main St.




Cornelius NC 28031




Charlotte Outpost




1130 E. 3rd St.




Charlotte NC 28235




Charlotte Latino Credit Union




4801 E. Independence Blvd.




Charlotte NC 28212




Whitley Commons S/C




8027 Fairview Rd.




Mint Hill NC 28227




Sardis Village S/C




9808 Monroe Rd.




Charlotte NC 28270








2800 W. Sugar Creek Rd.




Charlotte NC 28213




Charlotte Postal Credit Union




3601 Mulberry Church Rd.




Charlotte NC 28208




Davidson Kiosk




416 S. Main St.




Davidson NC 28036








4640 Old Pineville Rd.




Charlotte NC 28209




Hoods Crossing S/C




Idlewild & Matthews Mill Rds.




Matthews NC 28105





Stallings Wash One




2624 E. John St.




Matthews NC 28105




Sunset Corners S/C




4109 Sunset Rd.




Charlotte NC 28216




Northpoint S/C




101 Eastway Dr.




Charlotte NC 28213




Quik Shoppe #6




1500 Eastway Dr.




Charlotte NC 28205




Central Piedmont Community College




2800 Campus Ridge Road




Matthews NC 28105




UNC-Charlotte Cafeteria




Prospector Cafeteria




Charlotte NC 28223




Quik Shoppe #2




5600 Brookshire Blvd.




Charlotte NC 28216




Quik Shoppe #3




201 East Blvd.




Charlotte NC 28203




National Guard Facility




5225 Morris Field Dr.




Charlotte NC 28208




Quik Shoppe #14




11924 Elm Ln.




Charlotte NC 28277




UNC-Charlotte, Cone University Center




9201 University City Blvd.




Charlotte NC 28223




Quik Shoppe #15




3000 Wilkinson Blvd.




Charlotte NC 28208




Civil Courthouse




800 E. 4th St.




Charlotte NC 28202






Criminal Courts Building






700 E. 4th St.




Charlotte NC 28202





Charlotte Mecklenburg Educational




701 E. 2nd St.




Charlotte NC 28202




Walton Plaza




700 E. Stonewall St.




Charlotte NC 28202




Jail Facility




801 E. 4th St.




Charlotte NC 28202




Hal Marshall Center




700 N. Tryon St.




Charlotte NC 28202








1200 Park Dr.




Charlotte NC 28204



Cashpoint ATMs - Union County


Indian Trail




5880 HWY 74 W STE 201




Indian Trail NC 28079




Monroe SECU Branch




1790 Dickerson Blvd.




Monroe NC 28110




Wash One Car Wash




7850 Idlewild Rd




Indian Trail NC 28079




Union Village




1210 W. Roosevelt Blvd.




Monroe NC 28110




Sunset Plaza




100 E. Sunset Dr.




Monroe NC 28112




Wingate Police Department




3809 US Hwy. 74




Wingate NC 28174






Franklin Plaza




1678 W. Franklin St.




Monroe NC 28110




Food Lion S/C




7206 E. Marshville Blvd.




Marshville NC 28103




Waxhaw Wash One




101 Waxhaw Township Pkwy.




Waxhaw NC 28173




Union Medical Center




600 Hospital Dr.




Monroe NC 28110

Cashpoint ATMs - Gaston County


Gastonia SECU Branch




584 Cox Rd.




Gastonia NC 28053




Forestbrook S/C




3208 Union Rd.




Gastonia NC 28054




Gaston Square S/C




Hwy. 321 N.




Dallas NC 28034




Bessemer City Kiosk




421-C E. Virginia Ave.




Bessemer City NC 28016




NC Vocational Textile School




Hwy 74/Wilkerson Blvd.




Belmont NC 28012




York Chester Square




410 W. Franklin Ave.




Gastonia NC 28052




Diane 29 S/C




3830 Kings Mountain Hwy.




Gastonia NC 28052




Cramerton S/C




202 Market St.




Cramerton NC 280563




Berckman Car Wash




3422 S. New Hope Rd.




Gastonia NC 28056





Gaston County Courthouse




106 E. Page St.




Gastonia NC 28050




Gaston College, Myers Building




201 Hwy. 321, South




Dallas NC 28034

Cashpoint ATMs - Cabarrus County


Concord SECU Branch




538 Lake Concord Rd.




Concord NC 28026




South Concord SECU Branch




280-130 Concord Pkwy. S.




Concord NC 28027




Kannapolis SECU Branch




253 West Ave.




Kannapolis NC 28082




5301 Poplar Tent Rd.




Popular Crossing




Concord NC 28027




Clear Springs Kiosk




929 US Hwy. 29




Concord NC 28027




Kannapolis Market Square




1700 Cannon Blvd.




Kannapolis NC 28081




Carolina Fast Mart #1




3358 US Hwy. 601 S.




Concord NC 28025




Carolina Fast Mart #2




2300 Poplar Tent Rd.




Concord NC 28027




Harrisburg Market S/C




Hwy. 49 N.




Harrisburg NC 28075




The Quik Mart




7985 W. Franklin




Mount Pleasant NC 28124




Cabarrus Expo




4761 NC Hwy. 49 N.




Concord NC 28025





Cabarrus Government Center




65 Church St.




Concord NC 28026



When clicking on a link to a third party website from the the Credit Union's primary website you are now leaving Carolina Cooperative Federal Credit Union's website and are going to a website that is not operated by the credit union. Carolina Cooperative Federal Credit Union is not responsible for the content or availability of linked sites.

Please be advised that Carolina Cooperative Federal Credit Union does not represent either the third party or you, the member, if you enter into a transaction. Further, the privacy and security policies of the linked site may differ from those practiced by the credit union.














Visa Credit Card

To report lost/stolen card you must call 800-808-7230 or 800-991-4964

Please also call your local branch to reorder a new card.  Branch Office Phone #ís


Visa Debit Card

Lost or Stolen Visa Debit Card please call  1-866-546-8273

Please also call your local branch to reorder a new card.  Branch Office Phone #ís


Visa Debit Card Fraud

If you suspect debit card fraud please call our Fraud Center 1-888-685-2265/Fraud Center International 1-866-810-9385.

Fraud email address: fraudctr0270@carolinacoopcu.org





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